Cholamandalam Financial Holdings Limited Stock Price Today (NSE: CHOLAHLDNG)

Cholamandalam Financial Holdings Limited

1480.5040.90 (2.69%)
Market Closed

Fundamental Score

...

Cholamandalam Financial Holdings Limited Share Price — Live NSE/BSE Price, Fundamentals & Analysis

Cholamandalam Financial Holdings Limited share price today is 1480.50, down 2.69% on NSE/BSE as of 19 June 2026. Cholamandalam Financial Holdings Limited (CHOLAHLDNG) is a Large-cap company in the Investment Company sector with a market capitalisation of 35.58K (Cr). The 52-week high for CHOLAHLDNG share price is 2231.60 and the 52-week low is 1305.00. At a P/E ratio of 15.97x, CHOLAHLDNG is currently trading below its industry average P/E of 31.61x. The company has a Return on Equity (ROE) of 19.11% and a debt-to-equity ratio of 13.68.

Cholamandalam Financial Holdings Limited Share Price Chart — NSE/BSE Historical Performance

No data
High
1809.90
Low
1480.50
Volume
2.7L
Change
+3.12%

Cholamandalam Financial Holdings Limited share price chart: 3.12% return over the past month. 52-week high ₹2231.60, 52-week low ₹1305.00.

Cholamandalam Financial Holdings Limited — Last 10 Trading Days

DateOpenHighLowCloseVolume
1501.301508.701466.001480.503.31L (Cr)
1564.001568.801512.301521.407.16L (Cr)
1630.001644.401561.301582.002.01L (Cr)
1636.901636.901636.901636.900.00 (Cr)
1664.901664.901600.001636.901.39L (Cr)
1625.001672.001625.001652.3083.67K (Cr)
1600.101664.101600.101624.701.42L (Cr)
1615.001624.001585.001598.4083.50K (Cr)
1657.801657.801600.001606.1070.34K (Cr)
1669.101669.101607.601631.302.09L (Cr)

Cholamandalam Financial Holdings Limited — Last 12 Months Price History

MonthOpenHighLowCloseChange
1564.001568.801466.001480.50-5.34%
1563.001809.901561.301582.00+1.22%
1388.001675.901327.501556.10+12.11%
1570.901642.401305.001365.30-13.09%
1715.001781.001607.201634.10-4.72%
1832.501965.001587.001654.30-9.72%
1844.001978.901785.001812.90-1.69%
1914.502064.001787.501846.20-3.57%
1869.902040.001800.101912.60+2.28%
1738.402046.301717.301885.00+8.43%
1887.701968.601721.101725.70-8.58%
2185.702231.601853.901877.70-14.09%

AI Research Briefing

Powered by Gemini · 2026-04-17

Overvalued NBFC play propped up by DII buying, but financials are stretched.

Research Confidence
6.0/10Moderate
RATE PLAYConsolidation. 1M: -0.93%, 3M: 7.74%, 6M: 3.59%.Expensive. P/E of 15.97x vs. Industry P/E of 31.61x.

WHAT'S HAPPENING NOW (last 2-4 weeks)

Cholamandalam Financial Holdings (CHOLAHLDNG) is 89% from its previous close. DIIs increased their stake in Q4, with shareholding rising to 26.55% in March 2026 from 24.01% in December 2025. The company has scheduled a board meeting for May 8, 2026, to approve FY26 audited results.

CORE STORY (THE REAL GAME)

CHOLAHLDNG is an investment company, but the market prices it as a play on the Indian consumption story, specifically through its NBFC subsidiary Cholamandalam Investment and Finance Company (CIFCL). CIFCL's vehicle finance and SME lending drive the narrative.

Why Now
  • DII buying in Q4
  • Upcoming FY26 results
  • ₹540 crore corporate office contract
Potential Catalysts
  • Stronger-than-expected FY26 results
  • Further increase in DII stake
  • Significant improvement in interest coverage ratio
Key Risks
  • High debt-to-equity ratio
  • Negative free cash flow
  • Downgraded rating
Institutional Activity

DIIs increased stake in Q4, but FIIs decreased stake by -0.93%.

Macro Context

India's GDP is expected to expand ~6.5–7%.

Order Book / Expansion

Cholamandalam Investment and Finance awarded a ₹540 crore corporate office contract to Kalpataru Projects.

Cash Flow Quality

No. Free Cash Flow 5Y: ₹-116656.15 Cr.

3–6 Month Outlook

Next 3-6 months depend on FY26 results and management commentary. Monitor DII activity and interest coverage ratio.

Primary Thesis Risk

Sharp rise in interest rates could cripple CIFCL's lending business.

For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.

Returns & Performance

Good

Return on Equity (ROE)

19.11%

Profit generated per ₹1 of shareholder equity

Poor

Return on Capital (ROCE)

10.57%

Returns generated on total capital deployed

Excellent

Oper. Profit Margin (5Y Avg)

54.34%

Average operating profit margin over 5 years

Dividend Yield

0.07%

Annual dividend as % of current share price

Cholamandalam Financial Holdings Limited Valuation Check

Excellent

Price to Earnings (P/E)

15.97x

Share price ÷ earnings per share. Lower = cheaper

Poor

Industry Avg P/E

31.61x

Average P/E of all peers in this sector

Market-cap Classification
Large-cap
Established & liquid; typically steadier returns.

Shareholding Pattern

Excellent

Promoter Holding

46.42%

% shares held by company founders/management

Good

FII Holding

17.39%

% shares held by foreign institutional investors

Excellent

DII Holding

22.52%

% held by domestic mutual funds, LIC, banks

Poor

Promoter Pledged %

0.02%

% of promoter shares pledged as collateral — lower is safer

Growth Engine

Poor

Profit Growth (Quarterly YoY)

4.64%

Net profit growth vs same quarter last year

Good

Revenue Growth (Quarterly YoY)

16.95%

Revenue growth vs same quarter last year

Excellent

Revenue Growth (5-Year CAGR)

20.37%

Compounded annual revenue growth over 5 years

Excellent

EPS Growth (5-Year CAGR)

31.59%

Earnings per share growth over 5 years

Excellent

Net Profit Growth (5-Year CAGR)

31.60%

Compounded annual net profit growth over 5 years

Balance Sheet Health

Poor

Debt to Equity Ratio

13.68x

Total debt ÷ equity. Below 0.5 = financially healthy

Poor

Interest Coverage Ratio

1.49x

EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably

Free Cash Flow (5-Year Total)

-1.17L (Cr)

Cash left after capex over 5 years. Positive = self-funded growth

Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice

Cholamandalam Financial Holdings Limited Fundamental Analysis & Valuation Benchmarking

Educational evaluation of CHOLAHLDNG across key market metrics for learning purposes.

Positive Indicators

8 factors identified

Strong Return on Equity (19.11%)

Observation: Efficient use of shareholders' capital generating superior returns.

Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.

Strong Operating Margins (54.34%)

Observation: Healthy 5-year operating margins indicate pricing power and cost control.

Analysis: OPM >15% suggests operational efficiency and competitive advantages.

Attractive Valuation (P/E: 15.97 vs Industry: 31.61)

Observation: Trading at discount to industry peers.

Analysis: P/E below industry average may present value opportunity.

Strong Revenue Growth (16.95%)

Observation: Healthy sales growth indicates market demand and execution capability.

Analysis: Revenue growth >15% suggests strong market position and growth potential.

Consistent Growth Track Record (20.37% CAGR)

Observation: Strong 5-year sales compound annual growth rate.

Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.

Excellent EPS Growth (31.59% CAGR)

Observation: Outstanding 5-year earnings per share compound growth.

Analysis: EPS CAGR >15% indicates strong wealth creation potential.

Strong Profit Growth Track Record (31.60% CAGR)

Observation: Consistent 5-year profit compound annual growth rate.

Analysis: Profit CAGR >15% demonstrates scalable business model.

Strong Institutional Confidence (FII+DII: 39.91%)

Observation: Significant professional investor participation.

Analysis: High institutional holding often signals thorough due diligence.

Risk Factors

3 factors identified

Elevated Debt Levels (D/E: 13.68)

Observation: High leverage increases financial risk and interest burden.

Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.

Weak Interest Coverage (1.49x)

Observation: Limited ability to service debt obligations from earnings.

Analysis: Low interest coverage raises concerns about financial stability.

Negative Free Cash Flow (₹-116656.15 Cr over 5Y)

Observation: Cash outflows exceed inflows.

Analysis: Negative FCF requires analysis of capital expenditure cycle.

Cholamandalam Financial Holdings Limited vs Investment Company Peers

Peer Comparison - Investment Company

Compare Cholamandalam Financial Holdings Limited with 10 other companies in the same sector

11 companies
Company Info
Fundamental
Valuation
Profitability
Financial Health
Growth
Dividend
Company
Company name
Score
Bull Run comprehensive fundamental score based on 20+ metrics
Price
Current trading price of the stock
Market Cap
Total value of all shares in the market
P/E
Price per share divided by earnings per share
ROE
Net income divided by shareholder equity
ROCE
Earnings before interest and tax divided by capital employed
Debt/Eq
Total debt divided by total equity
Profit 5Y
Average annual profit growth over 5 years
Sales 5Y
Average annual sales growth over 5 years
Dividend
Annual dividend per share divided by price per share
59/100
1481
₹35579.07
16.0
Average
19.11%
Good
10.57%
Average
13.7
Poor
31.60%
Excellent
20.37%
Excellent
0.07%
40.3/100
233
₹193584.72
120.3
Average
1.23%
Poor
1.47%
Poor
0.1
Excellent
0.16%
44.4/100
365
₹93136.66
28.5
Average
11.49%
Average
9.33%
Poor
4.9
Poor
28.82%
Excellent
19.47%
Excellent
0.00%
59.4/100
664
₹37690.94
107.1
Average
1.02%
Poor
1.21%
Poor
0.0
Excellent
28.08%
Excellent
16.17%
Excellent
0.36%
51.9/100
13409
₹30446.99
21.1
Average
30.20%
Excellent
15.21%
Good
6.3
Poor
25.93%
Excellent
17.77%
Excellent
0.62%
33.9/100
12681
₹23436.99
199.0
Average
0.64%
Poor
0.85%
Poor
0.0
Excellent
10.92%
Good
15.44%
Excellent
0.00%
43.3/100
11507
₹16616.68
53.6
Average
0.61%
Poor
0.59%
Poor
0.0
Excellent
-0.55%
Poor
-2.71%
Poor
1.10%
73.8/100
456
₹12947.55
28.1
Average
7.93%
Poor
2.27%
Poor
0.0
Excellent
39.46%
Excellent
10.70%
Good
1.00%
32.9/100
228
₹8051.02
76.7
Average
5.15%
Poor
8.39%
Poor
0.1
Excellent
16.65%
Excellent
25.38%
Excellent
0.00%
43.2/100
5442
₹3476.12
144.5
Average
0.32%
Poor
0.44%
Poor
0.0
Excellent
18.96%
Excellent
16.26%
Excellent
0.00%
42/100
117000
₹2632.80
34.7
Average
1.47%
Poor
1.98%
Poor
0.0
Excellent
15.89%
Excellent
22.19%
Excellent
0.02%

Cholamandalam Financial Holdings Limited PE Ratio History

Historical price-to-earnings ratio for CHOLAHLDNG — last 5 years

YearEPS (₹)Price (₹)P/E Ratio
FY 2025115.76₹1812.9015.7x
FY 202494.39₹1395.8014.8x
FY 202368.72₹1038.0015.1x
FY 202254.49₹554.0010.2x

P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.

Cholamandalam Financial Holdings Limited Dividend History

Annual cash dividends paid by CHOLAHLDNG — dividend yield 0.07%

Financial YearDividends Paid (₹ Cr)
FY 2025103.97 Cr
FY 2024103.13 Cr
FY 2023100.32 Cr
FY 2022100.13 Cr

Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.

Cholamandalam Financial Holdings Limited Quarterly Performance

Latest quarterly metrics for CHOLAHLDNG — revenue growth and profit growth vs same quarter last year

Revenue Growth (YoY)

16.95%

Latest quarter vs same quarter previous year

Net Profit Growth (YoY)

4.64%

Latest quarter net profit vs same quarter previous year

5-Year Revenue CAGR

20.37%

Compounded annual revenue growth over 5 years

5-Year Profit CAGR

31.60%

Compounded annual net profit growth over 5 years

Cholamandalam Financial Holdings Limited Technical Indicators

SMA 50, SMA 200, RSI and volume signals for CHOLAHLDNG — calculated from daily price history

32RSI 14
Neutral — RSI 32

Momentum is balanced — neither overbought nor oversold.

SMA 50
1571
▼ Price below SMA 50 — Short-term bearish
SMA 200
1760
▼ Price below SMA 200 — Long-term downtrend
30-Day Avg Volume
263K shares/day
Average daily traded volume over last 30 trading sessions

Technical indicators are for educational purposes only. Not investment advice.

Cholamandalam Financial Holdings Limited Financial Statements

Annual income statement, balance sheet and cash flow for Cholamandalam Financial Holdings Limited (CHOLAHLDNG) — sourced from NSE/BSE filings.

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Fetching financial data for Cholamandalam Financial Holdings Limited

About CHOLAHLDNG (Cholamandalam Financial Holdings Limited)

Cholamandalam Financial Holdings Limited is a diversified financial services conglomerate deeply rooted in the Indian landscape. More than just a holding company, it functions as a...n orchestrator, strategically managing and nurturing a portfolio of businesses spanning the spectrum of financial needs. With a focus on long-term value creation, Cholamandalam Financial Holdings actively participates in the governance and strategic direction of its subsidiary companies. These companies deliver vital financial products to individuals and businesses across the country, from bustling urban centers to the most remote rural communities. The organization's core strength lies in its ability to identify and cultivate promising ventures, providing them with the resources and expertise necessary to flourish in a dynamic and competitive market. The company's influence extends across a broad array of financial solutions designed to empower its diverse clientele. Within its ecosystem, individual businesses operate in specialized segments, encompassing vehicle financing that fuels mobility, property-backed lending that unlocks capital, and housing loans that realize the dream of homeownership. Furthermore, Cholamandalam Financial Holdings caters to the vital needs of small and medium-sized enterprises (SMEs) through custom-tailored financial products, enabling them to expand their operations and contribute to economic growth. This multi-faceted approach allows the organization to address the unique financial requirements of various customer segments, solidifying its position as a trusted partner in their financial journeys. Beyond traditional lending, Cholamandalam Financial Holdings demonstrates a commitment to holistic financial well-being through its insurance services. The organization offers a comprehensive suite of general insurance products, including health, home, and motor coverage, providing individuals and families with vital protection against unforeseen circumstances. By offering a diverse range of financial products and services, Cholamandalam Financial Holdings strives to build lasting relationships with its customers, fostering financial security and prosperity. Its focus on responsible lending practices and customer-centric innovation positions it as a key player in the evolving Indian financial services sector.

Company Details

Symbol:CHOLAHLDNG
Industry:Investment Company
Sector:Investment Company

Key Leadership

Mr. N. Ganesh
Manager & CFO
Ms. Elanjezhia Krithika
Company Secretary & Compliance Officer

Corporate Events

Upcoming
Earnings Date
Recent
Ex-Dividend Date

CHOLAHLDNG Share Price: Frequently Asked Questions

What is the current share price of Cholamandalam Financial Holdings Limited?

Cholamandalam Financial Holdings Limited (CHOLAHLDNG) trades at ₹1480.50 on NSE and BSE. Market cap ₹35.58K (Cr). Educational data only.

What is the P/E ratio of Cholamandalam Financial Holdings Limited?

Cholamandalam Financial Holdings Limited has a P/E of 15.97x vs industry average 31.61x.

What is the Bull Run score for Cholamandalam Financial Holdings Limited?

Cholamandalam Financial Holdings Limited has a Bull Run score of 59/100 based on 25+ financial parameters.

Does Cholamandalam Financial Holdings Limited pay dividends?

Cholamandalam Financial Holdings Limited has a dividend yield of 0.07%. Past dividends don't guarantee future payments.

What is the ROE of Cholamandalam Financial Holdings Limited?

Cholamandalam Financial Holdings Limited has ROE of 19.11%. Higher ROE indicates better use of shareholder equity.

What is the debt-to-equity ratio of Cholamandalam Financial Holdings Limited?

Cholamandalam Financial Holdings Limited has debt-to-equity of 13.68.

Is Cholamandalam Financial Holdings Limited a good investment?

Bull Run gives Cholamandalam Financial Holdings Limited a score of 59/100. This is not investment advice — consult a SEBI-registered advisor.